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Auto Insurance

from Veritas Insurance Group

Auto Insurance

We’re with you, every step of the way. At Veritas Insurance Group, we understand that your car is more than a vehicle. Your car gets you to work, your children to school and helps you run your daily errands. When it comes to auto insurance, let our experienced agents make sure you have the right plan to protect you and your vehicle, without breaking the bank.

What kind of coverage do I need?

There are a few options, as well as requirements, when it comes to covering you and your vehicle. Most states require liability insurance, while comprehensive and collision coverage will be required if your vehicle still holds a lien from the lender. Personal Injury Protection is also required in some states.

Some questions to consider include: Do you own a car with an outstanding loan? Do you own a car that you want repaired no matter who is at fault? If you are involved in an accident, are you comfortable covering only those you are found liable to, without protecting your own vehicle?

Collision Coverage protects you for the amount of damage caused to your vehicle when you have been in a collision. If you are not at fault, the insurance carrier will work to recover damages from the other party involved in the accident. Collision coverage is optional, however if you have an outstanding loan or lease on your vehicle your lender may require this coverage.

Comprehensive coverage protects you from damage to your vehicle that occurs due to any reason other than a collision. Whether it’s theft, vandalism, fire, flood or other act of nature – your comprehensive coverage will pay for the damage or loss of your vehicle. If you have an outstanding loan or lease on your vehicle your lender may require this coverage.

Bodily Injury Liability covers the people injured in an accident that is caused by you. It pays for damages you are legally responsible for as well as the legal costs to defend you if you are sued. This coverage is mandatory in most states.

Property Damage Liability covers any damage to someone else’s property caused by your vehicle. The damaged property would typically be another vehicle, however it could also include signs, buildings, fences, or any other property that you are found legally responsible to repair or replace.

Personal Injury Protection (PIP)covers your injuries caused in an accident regardless of who is at fault. PIP is also referred to as “No Fault” insurance. The goal of PIP is to speed up payments to injured drivers by avoiding delays caused by the court system, resulting in lower legal fees, court costs, and therefore lower premiums.

The states that require PIP coverage are: AR, DE, FL, HI, KS, KY, MD, MA, MI, MN, NJ, NY, ND, OR, PA, TX, UT, WA. If you are obtaining auto insurance in one of these states, your policy must include PIP coverage, unless your state accepts a waiver.

How much Liability coverage do I need?

When choosing your liability limits, consider all of your assets including your home(s) and other property, vehicles, investments – as well as your future earnings. All of your assets are at risk if you are found liable for damages that exceed the limit of your insurance liability coverage.

How much should my deductible be?

Collision and Comprehensive coverages are subject to a deductible. The deductible is the amount that you are required to pay first, as your share of the repair or replacement of your vehicle. The higher deductible amount you choose, the lower your cost of insurance will be. Some things to consider when choosing a deductible amount:

  • How much are you willing (and able) to pay out of pocket if your vehicle needs repairs?
  • Consider making this amount the highest it can be, without being so high that it would prevent you from getting the repairs made
  • If you set your deductible at a very low amount, the cost of your coverage will be higher, and even small claims can count against you when obtaining insurance in the future
  • Consider how much you’re willing to pay out of pocket for minor repairs in order to avoid making small claims on your policy


Hit the road.

Get out and enjoy life’s adventures, without the worry of the unexpected. Let the experienced agents at Veritas Insurance Group ensure that you have a policy to fit your needs, at a price that fits your budget. Your Veritas agent will provide reliable, personalized, friendly service today – and stay with you through life’s changes to ensure you always have the right coverage at the right price. Contact us today!